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7 Best Pet Insurance Companies in Florida 2021

Whether you live in Tampa or Miami, a Florida pet insurance policy can prevent you from paying expensive vet bills and get treatment for your pet when it has an accident. Read our review of the top pet insurance companies in the Sunshine State and pick a pet insurance plan that’s best for you and your furry friend.

A brown and white cat sleeping closely to a golden retriever in a blue and red blanket. Adobe

Taking your pet to the vet when it comes down with a fever or breaks a bone is never cheap. In fact, simple procedures or exams can cost thousands of dollars out of pocket unless you have pet health insurance.

The This Old House Reviews team received sample quotes, researched policies, and read customer reviews of the best pet insurance companies in Florida to help you find a provider that’s right for you and your pet.

We included sample quotes for plans with a $500 deductible for various breeds of cats and dogs living in Miami. However, we ultimately recommend getting your own quotes to compare prices since premiums can vary depending on your pet’s age, breed, and location within the state.

Florida’s Top 7 Pet Insurance Providers


Most Comprehensive Plan: Prudent Pet

With a score of 95 out of 100, Prudent Pet is one of the top pet insurance providers in Florida for its comprehensive Ultimate Plan.

Ultimate Plan Highlights:

  • Covers accidents & illnesses, plus unlimited annual benefit
  • Features unique coverage for advertising & reward costs for lost pets, boarding fees, replacement costs for stolen animals, morality costs, & vacation cancellation fees

However, this provider doesn’t offer a wellness care add-on in Florida, so we recommend choosing another provider if you need preventative insurance coverage.

Visit the Prudent Pet website to get a quote with specific prices based on your ZIP code and pet’s details.

Pros & Cons of Prudent Pet

✔ Provides a 10% multi-pet discount
✔ Includes a 24/7 live vet chat
✔ Offers a cheap accident-only plan

✘ Doesn’t have customizable annual limit options
✘ Its wellness add-on isn’t available in Florida

Prudent Pet Plans and Coverage

Prudent pet’s Accident-Only Plan is its cheapest option, covering up to $10,000 per year for vet bills related to alternative therapies, bite wounds, broken bones, hospitalizations, medications, diagnostics, surgery, specialist care, and swallowed objects.

In addition to these items, the Essential Plan covers illnesses like cancer, gum disease, digestive illnesses, eye conditions, skin conditions, hip dysplasia, hereditary conditions, and urinary infections.

The Ultimate Plan is the most comprehensive option, covering everything in the Essential Plan, plus providing extra coverage for behavioral disorders, lost pet advertising, mortality costs, vacation cancellation fees, boarding fees, and the cost to replace your pet if it’s stolen or lost.

You can also add coverage to any plan for veterinary exam and consultation fees for an extra $5–$10 per month.

These plans don’t cover pre-existing conditions that arise before enrollment or during the five-day waiting period for accidents or 14-day waiting period for illnesses, breeding costs, or cosmetic procedures.

Prudent Pet Sample Monthly Pricing

Species & Breed: Dog, Medium Mixed

  • Accident Only Plan: $15.51
  • Essential Plan: $35.24
  • Ultimate Plan: $49.00

Species & Breed: Dog, Golden Retriever

  • Accident Only Plan: $22.74
  • Essential Plan: $51.68
  • Ultimate Plan: $71.86

Species & Breed: Dog, Yorkshire Terrier

  • Accident Only Plan: $13.00
  • Essential Plan: $29.53
  • Ultimate Plan: $41.06

Species & Breed: Cat, Domestic Medium Hair

  • Accident Only Plan: $9.31
  • Essential Plan: $21.17
  • Ultimate Plan: $26.54

Best Deductibles: Embrace

We gave Embrace a 93.5 out of 100.

Embrace Highlights:

  • Five deductible options
  • “Healthy Pet Deductible” diminishes your deductible by $50 each year you don’t file a claim
  • If your pet rarely has health issues, the deducible you owe during a claim could be $0

Embrace’s prices can be significantly higher for certain breeds, but you can check your quoted premium based on your pet’s details by filling out this online form.

Pros & Cons of Embrace Pet Insurance

✔ Has five customizable reimbursement limit options
✔ Has a short waiting period of two days for accidents
✔ Covers hip dysplasia

✘ Has limited customer service hours
✘ Its wellness add-ons can be more expensive than competitors depending on the chosen annual limit

Embrace Plans and Coverage

For coverage on issues like cancer, broken bones, digestive illnesses, dental trauma, genetic conditions, and congenital conditions, purchase Embrace’s Accident and Illness Plan, which covers exam fees, procedures, hospitalizations, prescription drugs, allergy testing, acupuncture, and physical therapy related to eligible conditions and incidents.

You can also add preventative care coverage for flea medication, routine blood tests, microchipping, annual vet visits, medicated shampoos, and prescription diet foods up to $250, $450, or $650 per year with the Wellness Rewards for Routine Care Plan.

Embrace doesn’t cover pre-existing conditions and requires a report from a vet examination 12 months prior or 14 days after the policy’s effective date.

Embrace Pet Insurance Sample Monthly Pricing

Species & Breed: Dog, Medium Mixed

  • Accident and Illness Plan: $32.17
  • Accident and Illness Plan with Wellness Plan: $50.92

Species & Breed: Dog, Golden Retriever

  • Accident and Illness Plan: $48.25
  • Accident and Illness Plan with Wellness Plan: $67.00

Species & Breed: Dog, Yorkshire Terrier

  • Accident and Illness Plan: $27.73
  • Accident and Illness Plan with Wellness Plan: $46.48

Species & Breed: Cat, Domestic Medium Hair

  • Accident and Illness Plan: $18.91
  • Accident and Illness Plan with Wellness Plan: $37.66

Learn More: Embrace Pet Insurance Review


Most Customizable Plans: Spot

Spot scored a 91 out of 100 in our review and prioritizes affordability for all pet owners by offering customizable plans.

Spot Pet Insurance Highlights:

  • Highly customizable: six annual limits, five deductibles, & three reimbursement percentages to choose from
  • Great for cheap coverage
  • Not the best fit for pet owners wanting 24/7 customer service or a comprehensive wellness plan

To determine your plan premiums, get a free quote from Spot using this online form.

Pros & Cons of Spot Pet Insurance

✔ Gives out a free dog training resource with each quote
✔ Includes coverage for microchipping
✔ Provides a low deductible option of $100

✘ Cheaper plan prices come with lower annual limits
✘ Doesn’t have weekend customer service availability

Spot Plans and Coverage

For the most affordable policy, consider Spot’s Accident-Only Plan, which offers minimal coverage for vet bills related to injuries, swallowed objects, or toxic ingestions.

The Accident and Illness Plan covers everything under the Accident-Only Plan and behavioral issues, hip dysplasia, heart disease, hereditary conditions, congenital conditions, cancer, respiratory infection, diabetes, and dental disease.

During checkout, you can add the Gold Preventative Care Plan for $9.95 per month, which covers items like wellness exams, vaccinations, and deworming up to $250 per year.

For more routine care coverage up to $450 per year, you can add the Platinum Preventative Care Plan for $24.95 per month.

Spot excludes any pre-existing conditions that manifest in your pet before enrollment or during the 14-day waiting periods for both accidents and illnesses.

Spot Pet Insurance Sample Monthly Pricing

Species & Breed: Dog, Medium Mixed

  • Accident Only Plan: $15.91
  • Accident and Illness Plan: $33.89

Species & Breed: Dog, Golden Retriever

  • Accident Only Plan: $15.91
  • Accident and Illness Plan: $46.38

Species & Breed: Dog, Yorkshire Terrier

  • Accident Only Plan: $15.91
  • Accident and Illness Plan: $28.54

Species & Breed: Cat, Domestic Medium Hair

  • Accident Only Plan: $11.67
  • Accident and Illness Plan: $17.53

Learn More: Spot Pet Insurance Review


Best Digital Clinic: Pawp

We compared Pawp with other insurers, giving it a score of 90 out of 100. We recommend it to pet owners who want instant access to virtual vets for advice, product recommendations, or local referrals.

Pawp Highlights:

  • Not technically a pet insurance company
  • Offers membership for unlimited access to a digital clinic
  • Live chat & video call with veterinarians
  • $3,000 fund to cover one emergency per year

Pawp might not be the best option for those who need to make multiple claims per year.

Signing up with Pawp takes a matter of seconds. Fill out this form to get started.

Pros & Cons of Pawp Pet Insurance

✔ Has an online chat for customer service
✔ Recommends local vets, treatments, and products to customers
✔ Covers any incident considered an emergency by a Pawp vet

✘ Maxes out annual coverage at $3,000
✘ Covers only one emergency vet bill per year

Pawp Plans and Coverage

Pawp’s coverage is simple—you can use the $3,000 fund to pay for any emergency from accidents or illnesses that didn’t occur before the start of your membership or during the 15-day waiting period.

It pays for one vet bill per year and doesn’t require you to pay a deductible or copay during a claim. Before you access this emergency fund, you must reach out to an official Pawp representative within four hours of the incident to ensure the issue is an eligible emergency.

Unlike other pet insurance companies, Pawp pays the vet directly before you leave the clinic instead of reimbursing you at a later time.

Pawp Sample Monthly Pricing

Regardless of your pet’s age, species, or breed, a Pawp membership always costs a flat rate of $24 per month.


Best for New Pet Owners: ASPCA Pet Health Insurance

Scoring an 89 out of 100, ASPCA Pet Health Insurance is an ideal choice for new pet owners, since it provides a local vet finder tool, resources on pet breeds and their common health issues, and coverage for microchip implantation.

ASPCA Highlights:

  • Five customizable annual coverage limit options
  • Lower prices in Florida compared with other providers
  • Pet insurance provider comparison tool on its website

Fill out this online form to get a free quote form ASPCA Pet Health Insurance.

Pros & Cons of ASPCA Pet Health Insurance

✔ Covers behavioral issues in the Complete Coverage Plan
✔ Provides a 10% discount on policies for additional pets
✔ Includes coverage for exam fees in standard policies

✘ Doesn’t provide annual coverage limit options beyond $10,000
✘ Has a 14-day waiting period for accidents, which is longer than some competitors

ASPCA Pet Health Insurance Plans and Coverage

ASPCA Pet Health Insurance offers two policies: the Accident-Only Plan and the Complete Coverage Plan.

The Accident-Only Plan is more affordable than the Complete Coverage Plan and covers injuries and other accidents like swallowed objects or cuts.

The Complete Coverage Plan covers costs related to both accidents and illnesses, including hip dysplasia, hereditary conditions, chronic conditions, cancer, and more.

ASPCA Pet Health Insurance also offers preventative care options for your pet in the form of the Basic Plan and Prime Plan.

The Basic Plan costs $9.95 per month, and it comes with $250 of annual coverage for a few items like vaccines, a wellness exam, and a fecal test.

The Prime Plan costs $24.95 per month, and it comes with $450 of annual coverage for everything covered under the Basic Plan in addition to a few other items such as spay or neutering, an extra vaccine, and flea or heartworm prevention.

ASPCA Pet Health Insurance Sample Monthly Pricing

Species & Breed: Dog, Medium Mixed

  • Accident Only Plan: $18.09
  • Complete Coverage Plan: $31.35

Species & Breed: Dog, Golden Retriever

  • Accident Only Plan: $18.09
  • Complete Coverage Plan: $43.57

Species & Breed: Dog, Yorkshire Terrier

  • Accident Only Plan: $18.09
  • Complete Coverage Plan: $27.70

Species & Breed: Cat, Domestic Medium Hair

  • Accident Only Plan: $11.16
  • Complete Coverage Plan: $17.71

Learn More: ASPCA Pet Insurance Review


Best Holistic Coverage: Petplan

Petplan scored a 91.5 out of 100 in our national review of top pet insurance providers, standing out for its comprehensive holistic care coverage. It covers therapies, such as stem cell therapy, homeotherapy, acupuncture, and chiropractic care.

Petplan Highlights:

  • Unlimited annual coverage cap option
  • Up to $1,000 of behavioral therapy coverage
  • Mobile app for filing claims and managing your policy

Visit the Petplan website to get an instant quote on your pet’s policy based on your Florida ZIP code.

Pros & Cons of Petplan Pet Insurance

✔ Includes coverage for vacation cancellation fees related to your pet’s accident or illness
✔ Covers exam fees and sick visit fees unlike some competitors
✔ Pays up to $1,000 for virtual vet visits

✘ Requires an annual medical exam for your pet to be eligible for coverage
✘ Doesn’t offer any preventative care add-on options

Petplan Plans and Coverage

Petplan covers your pet’s accidents and illnesses that occur after 15 days of signing up for your policy. This means it pays for most treatments, procedures, vet visits, and other costs related to your pet’s conditions that are recommended by your vet, such as ultrasounds, rehabilitation, diagnostic tests, dental procedures, cancer treatments, hospitalization, surgery, and more.

Petplan also covers instances where you need to board your pet while you’re in the hospital for more than four days, vacation cancellation fees if your plans change after your pet’s covered accident or illness, and advertising and reward money if your pet ever gets lost.

Petplan Sample Monthly Pricing

Species & Breed: Dog, Medium Mixed

  • Accident and Illness Plan: $52.17

Species & Breed: Dog, Golden Retriever

  • Accident and Illness Plan: $72.64

Species & Breed: Dog, Yorkshire Terrier

  • Accident and Illness Plan: $40.64

Species & Breed: Cat, Domestic Medium Hair

  • Accident and Illness Plan: $18.52

Best Coverage Limit: Healthy Paws

Healthy Paws scored a 93.5 out of 100 in our national review and is typically ranked near the top of our recommendations, but we ranked it lower in this article since its pricing in Florida was significantly higher than competitors.

Healthy Paws Highlights:

  • Great choice if you’re looking for a policy with no per-incident, annual, or lifetime limits
  • While Healthy Paws pricing is high in Florida, coverage is still very comprehensive

Get a quote from Healthy Paws by answering a few questions about your animal on the company’s website.

Pros & Cons of Healthy Paws Pet Insurance

✔ Offers a 30-day money-back guarantee
✔ Includes coverage for alternative treatments
✔ Has a fast claims process

✘ Doesn’t offer any discounts
✘ Doesn’t have an option for wellness coverage

Healthy Paws Plans and Coverage

Healthy Paws sells one plan that includes coverage for both accidents and illnesses. This policy pays for vet bills from cancer treatments, diagnostics, surgery, X-rays, hospitalizations, ultrasounds, chronic conditions, congenital conditions, hereditary conditions, prescription medications, emergency care, specialty care, and alternative treatments.

This policy doesn’t cover preventative care, vaccinations, dental care, spaying or neutering, elective procedures, or any pre-existing conditions before or during the 15-day waiting period. It also doesn’t cover hip dysplasia until after the first 12 months of the policy start date.

Healthy Paws Sample Monthly Pricing

Species & Breed: Dog, Medium Mixed

  • Accident and Illness Plan: $54.99

Species & Breed: Dog, Golden Retriever

  • Accident and Illness Plan: $62.70

Species & Breed: Dog, Yorkshire Terrier

  • Accident and Illness Plan: $54.99

Species & Breed: Cat, Domestic Medium Hair

  • Accident and Illness Plan: $54.99

Learn More: Healthy Paws Pet Insurance Review


Comparing the Best Pet Insurance Companies in Florida

Taking your furry friend to the vet can be a big hit to your wallet. Being prepared for accidents and illnesses can help prevent you from a major financial set back. Easily compare the top best insurance providers in Florida.

Compare Florida’s Best Pet Insurance Companies

Provider Prudent Pet Embrace Spot Pawp ASPCA Petplan Healthy Paws
Provider Prudent Pet Embrace Spot Pawp ASPCA Petplan Healthy Paws
Get a quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our score 95 93.5 91 90 89 91.5 93.5
Sample monthly premium* $35.24 $32.17 $33.89 $24.00 $31.35 $52.17 $54.99
Number of plans and add-ons 5 2 4 1 4 1 1
Waiting period 5 days for accidents and 14 days for illnesses 2 days for accidents and 14 days for illnesses 14 days for accidents and illnesses 14 days for accidents and illnesses 14 days for accidents and 14 days for illnesses 15 days for all conditions 15 days for accidents and illnesses
Customer service Chat, contact form, phone Phone, email, chat Contact form, phone (no weekend availability) Email, chat Contact form, phone (no weekend availability) Phone, email, chat Phone, email, chat
BBB rating** A+ A+ B A A+ A+ A-

*Based on sample quotes for a mixed four-year-old dog in Miami, Florida (33131 ZIP code)
**Based on scores pulled from each company’s BBB profile as of October 12, 2021


How Much Is Pet Insurance in Florida?

Based on the sample quotes we received for a variety of dog and cat breeds in a few different ZIP codes in Florida, standard accident and illness plans average around $30–$60 per month for dogs and $15–$30 per month for cats.

Here are a few factors that can affect monthly premiums and tips on how to decrease them:

  • Breed: One of the biggest variables that will affect your pet insurance premium is the breed of your dog or cat. Some breeds, such as golden retrievers or poodles, are notoriously more expensive than smaller or mixed breeds due to their susceptibility to illnesses and injuries. If an insurance carrier deems a breed riskier than others, it will raise premiums to reflect that.
  • Age: Older cats or dogs are more expensive to insure since they’re more likely to experience health issues. Purchasing insurance for your animal while it’s young is a great way to keep pricing low.
  • Location: Based on our research, plans in densely populated areas like Miami or Tampa are more expensive than plans in areas like Jacksonville or Pensacola. This factor is based on each company’s analysis of veterinary pricing in the area. If your local vets cost more than other cities, your premiums will likely be higher.
  • Customization: If you’re not happy with your quoted premium, you can customize it by lowering your annual limits and reimbursement percentages while raising your annual deductible. This gives pet owners the opportunity to only pay for what they need, but it can result in maxing out coverage during the policy term.
  • Discounts: To lower your monthly premium, check for eligible discounts from each provider while shopping for your pet insurance policy. For example, Spot and Prudent Pet offer a 10% discount for each additional pet you add to your policy, and Embrace offers a 5% military discount to active duty members.

Pet Insurance in Florida FAQs

Is pet insurance expensive in Florida?

Compared with other states, many of the pet insurance companies in Florida offer affordable and inexpensive plans for pet owners all across the Sunshine State. Purchasing a policy can be worth the monthly premium, since it can ultimately save you thousands of dollars when your pet unexpectedly gets injured or comes down with an illness.

Do most vets in Florida take pet insurance?

While pet insurance works differently than health insurance for humans, your insurer should be able to reimburse you for qualifying vet bills no matter where you go. Many companies specify that you see official licensed veterinarians, but there typically isn’t a dedicated provider network like there is with health insurance.

Rather than paying for your vet bill at the clinic, your pet insurance provider will reimburse you up to your agreed reimbursement rate after you file a claim and have already paid the vet bill.

Does pet insurance in Florida cover pre-existing conditions?

Unfortunately, pet insurance companies don’t cover pre-existing conditions, which can be defined as any condition noticed by you or a vet before the effective start date of your policy or the dedicated waiting period. This means you can’t purchase coverage for an injury that has already occurred.

Which Pet Insurance Provider in FL is Best for You?

As a pet parent in Florida, you can receive peace of mind that your furry friend gets the medical attention it needs after an unexpected incident with a pet insurance policy.

Whether Prudent Pet has your attention for its impressive Ultimate Plan or you’re fascinated by Pawp’s unique digital clinic, our recommendation to readers is to get quotes from a few different companies based on your location and pet’s information to compare offers.


Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.